planwithclarity.app

The planwithclarity.app is a privacy-first retirement planning tool built for people who actually think about retirement - not a lead-gen funnel disguised as a calculator. The problem: Most retirement planning tools either require you to link your bank accounts or charge $12+/month for basic features. They want your credentials, your data, or both. And none of them let you explore the tool before creating an account. What makes Plan With Clarity different: No bank account linking - ever. Your financial data stays on your device by default. No account required to explore the full free tier. Zero ads, zero financial product agenda. What's inside: The Dashboard gives you a complete retirement projection with year-by-year spending, income streams, life phase spending curves (inspired by Die With Zero), and sustainable withdrawal rate analysis across 5 tiers. AI Plan Synopsis analyzes 20+ variables from your plan and returns a health score (0-100), strengths, risk flags, and specific action items - powered by Claude AI. Monte Carlo Stress Tester runs 10,000 market simulations plus 8 recession stress scenarios including 2008 crisis, dot-com crash, COVID crash, stagflation, and more. Blended CAGR Calculator computes your true weighted average return across all your investments with live stock and crypto price refresh. Scenario Comparison lets you save your plan, change assumptions, save another, and compare them side by side with color-coded differences. Plus: Social Security Breakeven analysis, RSU/PSU vesting center, expense tracking with 12 categories, income and expense timeline, portfolio snapshots, retirement readiness scoring, and 12 financial calculators (tax, mortgage, car, college, 401K, Roth conversion, and more). Built by a retiree, for retirees. The founder retired at 56 and built this tool to plan his own retirement. It started as a personal project and became a full SaaS product now used by people in 14+ countries. Pricing: Free tier available with no account required. Premium starts at $9.99/month or $99/year with a 14-day free trial - no credit card required.